Personal loans in Herndon, VA
Herndon, Virginia — home to about 24,935 people — is a smaller city, so the terms you are offered follow Virginia law rather than any local rule. With 24,935 residents, Herndon outranks about 89% of the communities in Virginia. The closest larger place is Fairfax, VA about 9 miles away. A 2020-to-2023 comparison shows Herndon up by about 1.2%. To lend to Herndon's 24,935 residents, a company must hold a Virginia licence, and each sourced row below names the regulator behind it. If debt is already a strain, a nonprofit credit counsellor can help Herndon residents before they take on more.
Herndon: population, trend and location
What follows is Herndon's place in the Census record, alongside the Virginia rules that govern a personal loan made here.
- Population: 24,935 residents; Herndon is the 24th-largest of 227 places in Virginia (US Census Bureau, Vintage 2023).
- Population trend: Growth of about 1.2% across the 2020-to-2023 comparison.
- Change in people: the 2020-to-2023 comparison is a gain of about 290 residents.
- Size percentile: roughly 89% of Virginia places rank below Herndon.
- Population density: about 5,818 people per square mile (Census land area 4.3 sq mi).
- Land area rank: Herndon's 4.3 square miles rank 68th of 227 places in Virginia.
- State population share: Herndon accounts for about 0.8% of everyone in Virginia.
- National rank: Herndon is the 1,575th most populous of the 19,457 Census places covered here.
- Growth rank: Herndon's 2020-to-2023 change ranks 69th of 227 places in Virginia.
- Versus Virginia: the state average change is -0.0%, while Herndon moved 1.2%.
- Density rank: Herndon is the 5th most densely settled place in Virginia.
- Density vs Virginia: Herndon's 5,818 people per square mile compare with a state median of 823.
- Location: 38.9704 / -77.3871, per the US Census Bureau Gazetteer.
- Nearest larger cities: Fairfax (9 mi); Leesburg (13 mi); Rockville (15 mi); Gaithersburg (16 mi); Manassas (16 mi). Online lenders reach Herndon no matter how far the nearest branch is.
- Smaller towns nearby: Vienna (9 mi); Poolesville (12 mi); Falls Church (13 mi).
- Smaller places within 50 miles: 98 of them.
- Larger places within 100 miles: 24.
How lenders reach Herndon
Herndon is densely built, with about 5,818 people per square mile and 16 larger places within 50 miles. Distance to a branch rarely matters for Herndon's 24,935 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Fairfax, VA about 9 miles away.
Land, water and location for Herndon
Herndon covers about 4.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 5,818 people per square mile. For the state's biggest city, Virginia Beach, the distance is roughly 169 miles. Herndon has 16 larger places within a 50-mile radius. The 100-mile radius contains 24 larger places.
How Herndon compares across Virginia
Among Virginia's 227 places, Herndon sits at 24th for population, a share of roughly 0.8% of the state. On the 2020-to-2023 trend, Herndon stands 69th among Virginia's 227 places — roughly the 70th percentile. Its roughly 5,818 residents per square mile place it 5th among Virginia's places. Between 2020 and 2023 the count changed by roughly 290 residents.
What Virginia law requires in Herndon
When Virginia does not publish a figure, the row links to the source instead of inventing a number; Herndon is bound by the same rules.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Virginia State Corporation Commission, Bureau of Financial Institutions (BFI) Source says: The Bureau of Financial Institutions (BFI) is a regulatory division of the Virginia State Corporation Commission (SCC.) | Virginia State Corporation Commission (SCC) as of 2026-09-16 |
| Small-loan / installment lender licensing | Consumer finance license required from the State Corporation Commission (Va. Code § 6.2-1501) Source says: No person shall engage in the business of making loans to individuals for personal, family, household, or other nonbusiness purposes | Virginia General Assembly (Code of Virginia) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 12% per year maximum contract rate, except as otherwise permitted by law (Va. Code § 6.2-303) Source says: no contract shall be made for the payment of interest on a loan at a rate that exceeds 12 percent per year | Virginia General Assembly (Code of Virginia) as of 2026-09-16 |
How personal loans work in Herndon
A Herndon personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 24,935 residents. A lender serving Herndon's 24,935 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Herndon loan is knowable in advance — unlike a revolving card balance.
Common questions
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Nearby places
- Fairfax, VA — population 25,144
- Vienna, VA — population 16,306
- Poolesville, MD — population 5,720
- Clifton, VA — population 240
- Manassas Park, VA — population 16,361
- Leesburg, VA — population 49,312
- Falls Church, VA — population 14,685
- Manassas, VA — population 42,696